AI Auto Politician has found $146 trillion of world debt exploited unlawfully – “Creating the next PPI scandal but on steroids.”



AI Auto Politician operates as “no win no donation” and is completely free to use. Automatically identifying and helping wipe out unlawfully exploited debt. It automatically collects loan-level data from publicly available online systems. Showing each trade, using case law relevant to each debt, it also automatically optimises refunds.


Just one example


All UK banks have already budgeted for payouts to 7 million of their residential mortgages which they have exploited unlawfully. AI Auto Politician can help wipe out 100% of this debt worth £1.3 trillion and optimise refunds and losses, but:


  • If only 10% is cancelled this is £130 billion to benefit UK borrowers. If just 15% of these borrowers donate just 1% back to this new public fund over time, this is £195 million.
  • If only 10% is also refunded this is £68 billion to UK borrowers. If just 15% of these borrowers donate just 5% back to this new public fund, this is another £510 million.



Proof of banks trading unlawfully



Banks trade their customers’ mortgages with other banks internationally. The sale of thousands of mortgages was tracked from many European countries to many states of the USA and back to more European banks. To stop borrowers from benefiting from the sale of their debt, but to make sure they keep making payments, the holds banks have over properties are relinquished to trusts. But land registries, borrowers, and courts are not informed. All mortgages before 2008 were part of this scandal which compounded the financial crash. But around 80% of mortgages are still part of this worldwide.


The Bank of England published the UK Government creates 3% of its economy’s money. Banks create 97% with debt. In the first quarter of 2022 global debt totalled $305 trillion. Non-financial corporations and households were responsible for 60%. But if 80% of this is exploited unlawfully, then this accounts for over $146 trillion compounding the next world recession.


Elephant in the room


Generally, criminal courts in most countries use evidence in affidavits from first-hand witnesses so that lies cannot be used. But civil courts use hearsay in witness statements signed by third-party solicitors. Who haven’t witnessed anything. This is now being challenged in England’s high court.


The game is up


Borrowers are now using subject access requests and affidavits against their banks. Courts are preventing properties from being repossessed this way. Businesses are being created to exploit banks that are doing this. Saving mortgage payments, homeowners are also claiming an average of £110k back from their banks.


Example of banks’ fraud


Bank Fraud

Bank trusts will not change the land registry because this would display the direct relationship between the borrower and trusts. It would risk borrowers claiming the trusts’ profits from trade. The bank would risk income from mortgage payments. It would make them liable for stamp duty and take away their only method to legitimise possession.


Santander UK’s trust programme

Page 7 of Santander’s Fosse Master Trust prospectus (page 29 of pdf) states, “Santander UK, who, as the sponsor, will organise and initiate each transaction under the programme, has no ownership interest in any of the entities in the diagrams above.” Helping banks trade in limbo, a secondary requirement is the wording of its prospectus to remedy how banks have problems enforcing payments and possession. Page 27 of Santander’s Fosse Master Trust prospectus (page 49 of pdf) states, “The mortgages trustee has the right to demand that the seller give it legal title to the loans and the related security…” And, Until then the mortgages trustee will not apply to the Land Registry or the Central Land Charges Registry to register or record its equitable interest in the English mortgages,”.


Reference information


Landmark legal case in England 2012. This entity applied to repossess a home because its name was on the land registry. But this proved insufficient because they had already traded their ownership –


Podcast explaining the unlawful trade of mortgages


Banks trade mortgages on global stock markets –


The banking industry is the world’s most undisputed corrupt industry –


Tracking such trade –


Example from the UK Companies House of mortgages being sold –


Evidence of how this compounded the financial crash in 2008 –


Information that banks sell around 80% of their customer’s mortgages, and the typical amount of each claim –


Memorandum from Carmel Butler of debt exploited unlawfully –


Businesses exploiting banks that do this –


Publicly available online systems used to uncover this –


Governments create 3% of economies’ money –


60% of global debt is non-financial corporations and households –


How recessions are expected around every 10 years –


Worsening global news is all linked –


Affidavits starting to be use in some countries –


Banks falsifying evidence –




This is the outline of just the start of empowering democracies. It is in addition to existing economic and political systems.